BANKING SERVICES, INCLUDING MAINTAINING CHECKING AND SAVINGS ACCOUNTS; SELLING MONEY ORDERS AND TRAVELERS CHEQUES; ISSUING LETTERS OF CREDIT; MAKING COLLECTIONS; MAKING LOANS, INCLUDING REAL ESTATE, COMMERCIAL, LIFE INSURANCE, PERSONAL, AUTOMOBILE, COMMODIY AND HOME IMPROVEMENT LOANS; BUYING AND SELLING STOCKS AND BONDS; RENDERING TRUST SERVICES; AND MAKING TRANSFER OF FUNDS WITHIN THE UNITED STATES AND TO AND FROM FOREIGN COUNTRIES